Do you use cash? Why?

Canada
May 4, 2011 12:32pm CST
With debit and credit cards there seems to be less people using cash.. I see this everyday because I'm a cashier. Why does anyone still use cash? It could get stolen, atleast if your debit card gets stolen they need a pin number.
5 people like this
40 responses
• Canada
5 May 11
Still use cash, debit card (bankcard) and credit card (as long I am carefull) Using Debit or credit cards, they can easly be replaced than cash! Cash it good for areas not accepting other form of payments!
1 person likes this
• Canada
7 May 11
Cash can never really be replaced. Unless it was a gift then maybe the gifter would re gift it to you, but not often..
@Zer0Stats (1316)
• India
4 May 11
Well everyone has a different taste of making payments through.I use both cash and debit card.I use cash for most things,debit card when I'm low on cash.Most of the debit cards here doesn't need PIN to pay for purchases at stores so if your card gets lost it could possibly get misused.
• Canada
6 May 11
A debit card with no pin or credit card? I sure hope there's no debit cards without a pin! That could be scary. They've started putting pin numbers on credit cards but it hasn't really helped much because I'd say about 80% of customers claim they have no pin or they don't know what their pin is.
@Zer0Stats (1316)
• India
6 May 11
Here almost 101% debit cards and credit cards both has a PIN but I said when you go to any stores like shopping centres or anywhere you can spend your money,theres no need of PIN when you purchase anything there.Just swipe your debit card and get your work done;I mean your debit card works just same like a credit card..But when you go to ATM centres no matter whether you're having a debit card or credit card that always needs PIN for transaction..
• Canada
6 May 11
Shopping centers shouldn't be allowing debit transactions without a pin.. The machines will all ask for the pin if they know it is a debit card.
@Cherish14 (2695)
• Philippines
5 May 11
i use cash in everything i buy. i don't have cards though there are offers. i don't like bills at the end of the month well besides the electricity but i am not the paying for them yet. but yeah i don't like bills, so as much as possible i pay right away. yeah it is not easy to steal your money when you have a card, but my mom hates it because there are two separate events that she lost some amount from her card and stupid bank can't even answer her questions about it!
• Canada
8 May 11
I keep a good watch on my bank account to make sure that doesn't happen. The only problem is banks usually can't get your money back if your card is stolen and they somehow figure out your pin.
@Cherish14 (2695)
• Philippines
8 May 11
yeah too bad they can't but well maybe a debit card may do, i have been thinking about getting one actually the past two days hehehe still no monthly bills right? hehehe
• Canada
8 May 11
Haha nope.. I like to think of it as a "safe" for my money. Stays in there with no fees.
• United States
4 May 11
Well, I use both cash and debit because with cash I have a little more self control to spend my money as oppose to using a debit card where I have that careless need to spend money almost like using a debit card. Besides some places don't accept debit so you're force to bring cash. Some places there's a limit that allows you to use the debit card and I'm not buying extra just so I can use my debit card. If someone steels your debit card they can spend it as well because nowadays some places aren't even asking for your pin number. They ask you either credit or debit and if you say credit then you don't have to enter your pin number.
• United States
8 May 11
I'm not talking about a credit card, I'm talking about when you have a debit card that you can earn points for, you earn points when you make purchases without a pin number that's usually called "Credit." When you make purchases that requires a pin, it's usually called "debit."
• Canada
8 May 11
Oh I see what your saying.. Here we refer to debit cards as the one's directly linked to a bank account. Many credit cards now have a chip and also require a pin number.
@RamRes (1725)
• Argentina
7 May 11
Cash is the only thing 100% reliable, as most shops will NOT accept any kind of card. I have my bank account in which I earn my salary, and have a debit card with it, only to find that I have used it only 2 or 3 times in more than 3 years. It's easy to find why. From my everyday life, all take cash. For the bus, only coins, many small kiosks of course take cash only (very ridiculous to pay candies with a card) the food stores most take cash too (or cards for higher amounts purchases). At the supermarket, again with cash only. Look around and you'll see that in most commerces cards doesn't exist. We NEED cash to our everyday life. The only thing I consider using my debit card is for big, occasional purchases, like my notebook, a LCD screen or for very big amounts, like a rent or service. Otherwise it's useless. Oh one more thing, to draw cash out of the ATM machine
• Canada
8 May 11
I have my bank account too to get paid from my job. I sometimes find it annoying to have to go into the bank to take money out though.
@RamRes (1725)
• Argentina
8 May 11
Me too!!!! It's very annoying and somewhat risky too. But is necessary to have real cash on hand to buy whatever.
@daeckardt (6245)
• United States
7 May 11
I do occasionally use cash, but usually it is only at places that are small and don't take debit or credit. I went to one Vietnamese restaurant with my brother for lunch and I didn't think about it before I went in. My brother asked me if I had cash because they didn't take plastic. A lot of small businesses haven't got into the plastic stage yet so it is still necessary to use cash. Most of the time I do use debit because I don't like to carry a lot of cash around. Besides, when laundry day shows up, I need to still get quarters and it is hard to do that with plastic.
• Canada
8 May 11
Coins are necessary for most machines but I have seen a couple vending machines that have started to take debit (in colleges and university's) I still have to keep coins for the work vending machines though.
1 person likes this
@daeckardt (6245)
• United States
8 May 11
You are right about vending machines. It is nice when you can use debit to pay for them, but then you have to worry about whether you really need all the garbage you can get using them. I have also seen some laundry machines that you can use cards to pay for them, but those are few and far between in my experience. I guess it is just a matter of people getting fed up with feeding coin operated machines and having to empty them.
@dealerlv (264)
• Latvia
4 May 11
I like the real things that can hold in hands. I usually pay witch cach. I do not like electronic money.
• Canada
6 May 11
I like that too it's just dangerous sometimes.. If you're going to be making a really big purchase it's usually not safe to walk around with loads of money in your pockets. It could fall out, be stolen, etc. That's why I try to use my debit card.
@dealerlv (264)
• Latvia
6 May 11
Me is not afraid to walk with big money. In my country robbery rarrely happen on the day. Criminal activity usually occurs at night or where there are few people.
@petersum (4525)
• United States
4 May 11
We ordinary people who are not in debt still use cash! Looking at my local supermarket, you will find 99% of customers use cash. I hate it when someone with a credit card is in the line in front of me. You just know it will take five minutes or more to validate the card.
@Cherish14 (2695)
• Philippines
5 May 11
i agree with you. i hate it too when people in front of me use cards. it takes a looooong time for them and the cashier to finish...
• Canada
6 May 11
I was actually comparing debit (bank cards) to cash.. Tell me about it, I had a customer who was trying to pay with a credit card but they didn't have the card.. They just had the number for it. And I had to explain to them that I can't let them use it if they don't have the actual card. If that was possible cashiers could be getting hundreds of credit card numbers and charging them up!
@garson (886)
• United States
18 Jun 11
For me, it depends on purchases. I prefer to pay with cash if I spend less than $5 to $10. For people living in developed countries like US and Europe, many people just use credit and debit card for the sake of convenience. Maybe they are lazy to go to the bank to withdraw some cash, or they want to build credit history (if they are college students), or they try to meet the minimum requirements set forth in their back account, etc. I read an article about more than a month ago. Some smart thieves were able to get pin numbers of any credit/debit cards using certain technology. How? One person were able to implant a tiny camera (very small thing that is hardly noticeable) on the credit card or debit card machine on each cashier's station. Consider this: If one never carry cash, he/she will not be able to help anyone that needs small changes anytime. I carry small cash up to $20. That is still big. People that use public transportation will need to have small changes handy unless if they have passes.
• Canada
23 Jun 11
I've actually started using cash way more often now. I recently got a car and I found that it is a lot more convenient to have cash to pay for gas. That way I don't even have to get out of my car. Or in my case.. I locked myself out of my car and had to call a locksmith, I needed CASH to pay him.
7 May 11
People tend to use cash because its simply QUICK and EFFECTIVE. I know that with a card you can make an easy pay but with cash you can buy anything. And when i say anything i mean like buying coke from an outside soda machine or any small item that costs around 1 buck
• Canada
8 May 11
Yea you can buy anything with cash. I think that one day we will be able to buy anything with our cards though, as technology continues to advance and become more important.
@ladygator (3469)
• United States
7 May 11
I mostly use cash, for me its easier to keep track of my spending that way and so many places charge an extra fee to use a card around here that I prefer cash for that reason as well. It annoys me to be charged to use my own money.
• Canada
8 May 11
Yea for sure if I was getting charged extra too, I definitely wouldn't be using my debit card!
@ifa225 (11098)
• Indonesia
6 May 11
sometimes, some restaurants and market have a limit cash to debit or credit. when i shop only for fews, then i used cash. i bring cash just in case there is something bad happen like accident. and i don't keep it on my wallet to be safe. i hope there is no one can stole it
• Canada
8 May 11
I bring cash as back up too. Some restaurants here even have debit machines that give you the option to tip, etc.
• China
6 May 11
If we only pay a little money,cash is more convenient than debit and credit.We know cash may be stolen.What about the credit? It wil also have the code on the net by the risk of pilfer and then we will lost even more money .In my opinion,nothing in the world is flawless and perfect .So I use cash and credit.
• Canada
8 May 11
Credit cards can be stolen as well but that's not what I was referring to.. It's very easy to steal a credit card and use it.. Even the one's with pin numbers there is an easy way to get past that.
@allknowing (73355)
• India
6 May 11
Here in India the credit card/debit card culture has yet to seep in. I have no intention to go for a credit card but do possess a debit card which I use. But in small shops where there is no such facility cash transaction is the only solution. I am vary of online transactions and so never use my debit card there.
• Canada
8 May 11
When I go to smaller towns I usually have to bring cash because of that. They don't offer the option of paying by debit or credit card. It would cost them money so of course they just stick to cash.
5 May 11
Actually I used to be one of the many that only used debit cards/ or credit cards for all my purchases, but after i got laid off and readjusted my budget I saw that i wasted so much money from using my debit card. I got charged extra at the gas station, and extra in a lot of stores every time i purchase for less than 5 or $10. So I use my cards, but i always carry extra cash for small shopping and putting gas in my car.
• Canada
8 May 11
I guess it depends on where you live. Everywhere in my city (gas stations, regular stores, etc) have to take debit. The only extra charges would be from the bank, depending on if you have a free account or not.
@achraf52 (180)
• Morocco
5 May 11
Currently I use cash for small things, and I plan to get a Debit Card for my big money, and a tip to get your paper money new again, is to add it to your bank account, then cashout it on the ATM as new paper .
• Canada
8 May 11
Haha yea that is a way to get it new if that's something you want. You can even bring change into the bank and deposit it.. Then cash it out of the machine.
• India
5 May 11
in India most of the people use cash because most of the people here are not interested in using cards
• Canada
8 May 11
I've heard that.. Many from North America are getting into cards though, especially credit cards.
@kanchan10 (3593)
• Kolkata, India
5 May 11
i only use cash.i have to because of the fact that none of my local grocery,stationary shops accept any of the cards.some medicine shops accept but buying should be above inr500 so cash is the only option i have.
• Canada
8 May 11
Oh really? I guess I'm just used to where I live.. I never realized so many places did not have the option to use debit. Here it is so common.
• China
5 May 11
It's necessary for me to take some cash because credit cards are not always available where I'm living. Debit an credit cards have a lot of advantages, for example, they are easier to take and safer than cash. But we must use cash when we take bus or do some laundry. What's more, we may go unnecessary shopping in the supermarket without noticing using debit and credit cards.I think that's why there are still a lot of people using cash.
• Canada
8 May 11
I take the bus too. For me I buy the bus tickets at the store because they are also cheaper than bus fair. Sometimes I buy with my debit card too. I am trying to stay away from credit cards for that reason. That would be a lot of unnecessary shopping without thinking!
@jennyze (7045)
• Indonesia
5 May 11
Yes, using the debit and credit cards are easier than bringing cash everywhere. However, we I will know my expenses for the month weeks later when the bank print the sheet. When there were so many purchases shown in the debit and credit cards often I confused; did I do all those purchases? Are they all mine? Was there someone else using my cards? Did the cashier charge my card twice? So, for small amount of purchases I'd like to use cash, so I can easily track my debit and credit usages.
• Canada
8 May 11
That's true but there is also online banking where you can check your balances and transactions. That way you don't have to wait to receive your bank statement in the mail.